Going on vacation is always exciting but there are some serious issues to take care of right before leaving. One of them is buying a travel insurance policy. One of the things you must take into account before buying one is to check what is already covered by your home insurance policy because some of them include insurance for personal items even when you are far way from home. If that is the case with yours, you could decide not to buy a luggage cover with your travel insurance policy and therefore save money, which is always a plus.